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Arizona · State Law Library Hub
Arizona Auto Insurance & Crash Law Library
A public legal education and research library for Arizona automobile insurance, UM/UIM, comparative fault, insurer duties, damages, settlement and controlling authority.
Arizona State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Arizona guide that matches the next question.
Getting Started in Arizona
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, policy discovery, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work/commercial use, rideshare and public-entity vehicles.
Liability & Proof
Pure comparative fault, crash investigation and evidence preservation.
Damages & Resolution
Damages, wrongful death, medical-payment/reimbursement issues and settlement.
Case Authority
Arizona statutes and appellate authority organized by issue.
Guide 01 · Arizona Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first, then open the numbered guide that answers the next question. Keep liability claims, first-party benefits, public-entity issues, and reimbursement questions distinct.
Identify the driver, vehicle owner, employer, other responsible parties, and every claimant. Use Guide 16 promptly when a public entity may be involved.
Use Guide 03, then review Guide 05 and the actual UM/UIM offer, selection, and rejection documents.
Use Guide 18 to organize reports, photos, witnesses, vehicle data, medical chronology, correspondence, and a separate deadline calendar.
Read the policy and official sources. Consult Guide 21 and Guide 22 before deciding how liens, remaining coverage, and release terms affect the claim.
Arizona Current-Law Snapshot
Issues to identify early
25 / 50 / 15 minimum liability
Arizona’s current minimum owner liability limits are $25,000 per person, $50,000 per accident bodily injury and $15,000 property damage.
Pure comparative fault
A.R.S. § 12-2505 generally reduces damages in proportion to claimant fault, subject to statutory exceptions.
UM/UIM must be offered
A.R.S. § 20-259.01 governs offers, selections, rejections and multiple-coverage questions.
MedPay optional
Arizona does not require PIP; optional medical-payments coverage must be confirmed from the policy.
Insurer accountability
Arizona combines common-law insurer duties with statutory and regulatory unfair-claims standards.
Public-entity deadlines
Government defendants can trigger separate notice-of-claim and suit deadlines that should be identified immediately.
Primary Research
Official Arizona research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Arizona Revised Statutes
Primary statutory authority for insurance, motor vehicles, tort liability and government claims.
Open statutes →Arizona DIFI
Insurance regulation, consumer information, complaints and rulemaking.
Open regulator →Arizona Judicial Branch
Supreme Court and Court of Appeals opinions, court rules and judicial resources.
Open courts →Arizona MVD
Mandatory insurance, registration, licensing and vehicle administration.
Open MVD →Arizona DPS
Highway Patrol, crash reporting and statewide public-safety resources.
Open DPS →Arizona Administrative Code
Administrative rules governing insurers and insurance conduct.
Open insurance rules →How this library stays current
Build the complete Arizona coverage and claim map
Identify every responsible person and entity, every liability and first-party policy, insured status under each coverage, UM/UIM rights, fault allocation, damages, reimbursement interests, insurer conduct and release consequences before claim closure.
Do not let one insurance card define the available recovery.
Move from the public question to the current rule, then test the rule against the insurance contract, the facts and controlling appellate authority.